Insurance voided, HELP!
Discussion
Well first of all, i thank you for looking at this post, i am in need of some help.
Ive just had a crash last Thursday and since then my insurance has been voided. i paid in excess of £2600 for the TPFT from tesco and when i told them about the crash they voided my insurance even though it wasnt my fault and no one was claiming against me.
They told em that they were voiding the policy as the policy read that the car was registered in my name, in which it should have but it was actually insured in my dads name as he brought it me and we forgot to change it over. They told me that i should have told them as they wouldnt have insured me if i had told them that my dad was the owner, yet i am the only person on the policy and tried to explain that i would send off to ammend the policy and change it into my name.
the policy was 10 months into it and it was my first year. i cannot get insured anywhere now so its pretty much paying £2600 to not drive for x ammount of years.
thanks for any help.
Ive just had a crash last Thursday and since then my insurance has been voided. i paid in excess of £2600 for the TPFT from tesco and when i told them about the crash they voided my insurance even though it wasnt my fault and no one was claiming against me.
They told em that they were voiding the policy as the policy read that the car was registered in my name, in which it should have but it was actually insured in my dads name as he brought it me and we forgot to change it over. They told me that i should have told them as they wouldnt have insured me if i had told them that my dad was the owner, yet i am the only person on the policy and tried to explain that i would send off to ammend the policy and change it into my name.
the policy was 10 months into it and it was my first year. i cannot get insured anywhere now so its pretty much paying £2600 to not drive for x ammount of years.
thanks for any help.
LukeR94 said:
Unfortunately, whether knowingly or not you have whats know as in the industry been "Fronting".
They are right im afraid, Ignorance is no excuse.
He hasn't been fronting, read it again! He said he is the only person insured on it (not fronting) but his dad is the registered keeper (presumably on the V5c) but he told the insurance company that he is listed as the registered keeper.They are right im afraid, Ignorance is no excuse.
Who is the owner of the car? You say your dad bought it, was it a gift to you or did you pay him back for it? Or are you using it as though you are borrowing his car (even though you said he doesn't use it)?
the policy was in my name, my dad brought me the car for my 18th. all that was wrong is that we forgot to change the log book over to my name. i was the only person able to drive the car hence why the price was rather high. I tried to explain that i would send it off the next day, as i did but they had none of it
and i dont see how this affect the policy in any way, you can change your address on the policy so why couldnt i just send the log book off and then submit the proof when it was back, it wasnt like it was intentional or anything just an honest mistake, ive said ide be the only driver and i paid the lump sum up front
OK, this is quite different to how your original post makes it sound.
It's important to note that the registered keeper on the V5C is NOT necessarily the legal owner. We have plenty of insurance insiders to explain the process behind this one, but if the only discrepancy on the policy is that the car was registered in the wrong name (but still at the correct address), their attempt to void your policy seems somewhat more dubious.
Perhaps you should get an online insurance quote with this provider, with all details exactly as on your policy, but one with you as the registered keeper and one with you not the registered keeper. If there's little/no difference, then I don't think they have reasonable grounds to void your policy.
It's important to note that the registered keeper on the V5C is NOT necessarily the legal owner. We have plenty of insurance insiders to explain the process behind this one, but if the only discrepancy on the policy is that the car was registered in the wrong name (but still at the correct address), their attempt to void your policy seems somewhat more dubious.
Perhaps you should get an online insurance quote with this provider, with all details exactly as on your policy, but one with you as the registered keeper and one with you not the registered keeper. If there's little/no difference, then I don't think they have reasonable grounds to void your policy.
Selton95 said:
...the policy as the policy read that the car was registered in my name, in which it should have but it was actually insured in my dads name as he brought it me and we forgot to change it over. ...
Please clarify this bit. To whom was it registered on the V5?
Who was the Policyholder for the insurance?
Were you mentioned at all on the Insurance Policy?
(And please learn the difference between the verbs 'to bring' and 'to buy'...)
essayer said:
Basically you've 'only' lost 2 months of insurance? Count yourself lucky on that one - would have been a lot worse if police were involved with your accident!
not really, the insurance is void, literally impossible to get insurance now but thats for the help everyone. will the policy being void mean i have to delare it if i get my bike licence and etc.?McSam said:
OK, this is quite different to how your original post makes it sound.
It's important to note that the registered keeper on the V5C is NOT necessarily the legal owner. We have plenty of insurance insiders to explain the process behind this one, but if the only discrepancy on the policy is that the car was registered in the wrong name (but still at the correct address), their attempt to void your policy seems somewhat more dubious.
Perhaps you should get an online insurance quote with this provider, with all details exactly as on your policy, but one with you as the registered keeper and one with you not the registered keeper. If there's little/no difference, then I don't think they have reasonable grounds to void your policy.
yes this is what it was i rang them up when i did it and this was with everyhing in my name, my dad had the v5 in his name which we forgot about due to reasons such as several deaths and him having 2 heart attacks, just forgot about itIt's important to note that the registered keeper on the V5C is NOT necessarily the legal owner. We have plenty of insurance insiders to explain the process behind this one, but if the only discrepancy on the policy is that the car was registered in the wrong name (but still at the correct address), their attempt to void your policy seems somewhat more dubious.
Perhaps you should get an online insurance quote with this provider, with all details exactly as on your policy, but one with you as the registered keeper and one with you not the registered keeper. If there's little/no difference, then I don't think they have reasonable grounds to void your policy.
Something doesn't add up, we are either missing information or have been told something wrong....
An Insurance company wouldn't void your policy for having just the car in your dads name.
I work in that industry (within claims) , with respect, I dont think you have quite got the facts right.
An Insurance company wouldn't void your policy for having just the car in your dads name.
I work in that industry (within claims) , with respect, I dont think you have quite got the facts right.
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